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Motor Insurance
Motor Insurance (Vehicle)
Whatever your budget or needs, we are offering you four types of motor insurance to choose from. Pick the cover you want, at a price you can afford.
Be assured of the best deal as you’ve chosen our platform for your search:
Comprehensive Motor Insurance
Comprehensive motor insurance provides the following level of cover, but it isn’t necessarily the most expensive.
These include:
- Damage to your vehicle – Costs incurred in repairing or replacing your car and in the event of an accident.
- Fire damage to your vehicle – Costs incurred in repairing or replacing your car in the event of it being damaged in a fire.
- Theft of your vehicle – Costs incurred in repairing or replacing your car in the event it is damaged or can’t be recovered after it has been stolen.
- Damage to third party vehicles – Costs incurred in repairing or replacing third-party vehicles that have been damaged as a result of an accident where you are deemed to be at fault. It’s usually up to the limit agreed in your policy.
- Damage to third party objects, structures and property – Costs incurred in repairing and/or replacing objects, structures and property that has been damaged as a result of an accident where you are deemed to be at fault. It’s usually up to the limit agreed in your policy.
- Bodily injury to third party drivers and their passengers – Costs incurred in treating injuries incurred by third-parties as a result of an accident where you are deemed to be at fault.
- Bodily injury to you and your passengers – Costs incurred in treating injuries incurred by you (limited) or your passengers (unlimited) as a result of an accident where you are deemed to be at fault.
- Driving Other Cars (DOC) – Some comprehensive motor insurance policies come with a Driving Other Cars (DOC) clause. This enables you to drive another car on the basis of Third Party Only cover and it is up to the Third Party Property Damage limit. However, you may only do so if the vehicle in question is insured and you have the owner’s permission.
Third party, fire & theft Motor Insurance
Third Party, Fire & Theft cover sits between comprehensive and third party only cover. It’s essentially just third party cover with the addition of fire damage and theft cover.
These include;
- Fire damage to your vehicle – As with comprehensive cover, there is provision for the costs incurred in repairing or replacing your vehicle in the event of it being damaged in a fire.
- Theft of your vehicle – Costs incurred in repairing or replacing your vehicle in the event it is damaged or can’t be recovered after it has been stolen.
- Damage to third party vehicles – Costs incurred in fixing or replacing third party vehicles as a result of an accident where you are deemed to be at fault. It’s usually up to the limit agreed in your policy.
- Damage to third party objects, structures and property – Provision for the costs incurred in the repair and/or replacement of objects, structures and property that has suffered damage in an accident where you are deemed to be at fault. It’s usually up to the limit agreed in your policy.
- Bodily injury to third party drivers and their passengers – Costs incurred in the treatment of injuries suffered by third-parties in an accident where you are deemed to have been at fault.
- Bodily injury to you and your passengers – Costs incurred in treating injuries incurred by you (limited) or your passengers (unlimited) as a result of an accident where you are deemed to be at fault.
Third Party Only Motor Insurance
The Motor Third Party Act of 1958 stipulates that all vehicle owners must have cover that provides unlimited bodily injury and death compensation to third parties such as occupants, fare-paying passengers and pedestrians.
Our Motor Third Party cover includes this plus emergency treatment and personal accident for the insured or driver and occupants of the vehicle. Damage to third party property is also covered up to a predetermined limit.
- Damage to third party vehicles – Provision for costs incurred in repairing or replacing third party vehicles that have been damaged in an accident where you are deemed to have been at fault but covered up to a predetermined limit.
- Damage to third party objects, structures and property – Costs incurred in the repair and/or replacement of objects, structures and property that has suffered damage as a result of an accident where you were at fault but covered up to a predetermined limit.
- Bodily injury to third party drivers and their passengers – Cover for costs that are incurred in the treatment of injuries to third parties as a result of an accident where you were at fault.
- Bodily injury to you and your passengers – Costs incurred in treating injuries incurred by you (limited) or your passengers (unlimited) as a result of an accident where you are deemed to be at fault.
Executive Motor Insurance
If you’re a busy executive who can’t do without the day-to-day use of your private vehicle, you’ll know how important it is to have an Executive or Elaborate Motor Comprehensive car insurance should something happen to it.
Distinctive Benefits
- It covers the costs of renting a temporary replacement vehicle while your normal vehicle is being repaired
- It pays for the cost of towing your car if you break down or have an accident
- As the insured party, you bear no portion of the claim as a deductible, and you keep your no-claims discount even after you make a claimSo how is the executive motor insurance different from standard comprehensive car insurance?
Whether you’re an individual living in Ghana, or a corporate with fleets of vehicles used by key management personnel, the executive motor insurance is the ideal choice.
Other Benefits;
- Damage to your vehicle – Costs incurred in repairing or replacing your car and in the event of an accident.
- Fire damage to your vehicle – Costs incurred in repairing or replacing your car in the event of it being damaged in a fire.
- Theft of your vehicle – Costs incurred in repairing or replacing your car in the event it is damaged or can’t be recovered after it has been stolen.
- Damage to third party vehicles – Costs incurred in repairing or replacing third-party vehicles that have been damaged as a result of an accident where you are deemed to be at fault. It’s usually up to the limit agreed in your policy.
- Damage to third party objects, structures and property – Costs incurred in repairing and/or replacing objects, structures and property that has been damaged as a result of an accident where you are deemed to be at fault. It’s usually up to the limit agreed in your policy.
- Bodily injury to third party drivers and their passengers – Costs incurred in treating injuries incurred by third-parties as a result of an accident where you are deemed to be at fault.
- Bodily injury to you and your passengers – Costs incurred in treating injuries incurred by you (limited) or your passengers (unlimited) as a result of an accident where you are deemed to be at fault.
- Driving Other Cars (DOC) – Some comprehensive motor insurance policies come with a Driving Other Cars (DOC) clause. This enables you to drive another car on the basis of Third Party Only cover and it is up to the Third Party Property Damage limit. However, you may only do so if the vehicle in question is insured and you have the owner’s permission.
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Personal Accident
An accidental or Personal injuries can adversely affect your earning capacity, daily expenses, well-being and lifestyles of your family in many ways. Personal Accident Insurance gives you 24-hour cover, which means you are not limited by the activity you are partaking in at the time of the accident. So you will receive cover regardless of whether you are at work or not when the accident happens
Scope of cover:
- Death
- Permanent Disability
- Temporary Total Disability
- Medical Expenses
You may also choose to add on the following extensions to your policy:
- Exposure – to elements, starvation and/or thirst
- Disappearance
- Burns Disfigurement
- Life support system (not less than 3 consecutive days)